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"The 35,000 equals 20% of the total mortgage..."

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You have a fabulous start with your savings and will save yourself the PMI payment if the 35,000 equals 20% of the total mortgage. Great job so far! At this point you don`t want to spend that 35,000 you`ve worked so hard for on something that isn`t best for your needs. I would contact a local mortgage broker. Their job is to match your income, credit scores, debt, down payment, etc. into the best mortgage that you qualify for. normally a broker does not work for a specific bank and they normally do not charge a fee unless they get you into a mortgage. The fee my husband and I paid was a thousand dollars on a 90,000 mortgage, and our broker did all the leg work and explained all our options and was a tremendous asset. Without her we would have been lost in all the mortgage mumbojumbo we didn`t have a prayer of understanding on our own. Good Luck with whatever you decide!

"Want to advice you to beware of loan from the china and any part..."

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Are you seeking for a legitimate lender from the internet? My name is Laura, from Edmonton Alberta.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State.
They are so wonderful and serious minded company. I would advice you contact them if you need a loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: www.dennishopkinsfinance.de.vu or dennishopkins_financehome@ live.com.

"Assuming you pay a 10% down payment when you take out your mortgage ..."

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Making 90,000 a year is a good salary. in your case this means you should be able to buy a house in the $200,000 range. Assuming you pay a 10% down payment when you take out your mortgage . Assuming you get a fixed rate mortage of interest rate 4.5%. Don`t forget you will also have utlilities, property taxes and insurance to pay so it`s safe to assume your monthly bills will top $2,000. Your salary works out to about $7500 a month. If you are taxed at 30% this leaves you $5250 a month in after tax income. This means you will be paying about 38% of your after tax income each month to service your housing costs.

"Assuming you pay a 10% down payment when you take out your mortgage ..."

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For buy a house in the $500,000 range. Assuming you pay a 10% down payment when you take out your mortgage . Assuming you get a fixed rate mortage of interest rate 4.5%. Don`t forget you will also have utlilities, property taxes and insurance to pay so it`s safe to assume your monthly bills will top $2,000. Your salary works out to about $7500 a month. If you are taxed at 30% this leaves you $5250 a month in after tax income. This means you will be paying about 38% of your after tax income each month to service your housing costs.

Laura Thompson said: Are you seeking for a legitimate lender from the internet? My name is Laura, from Edmonton Alberta.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State. They are so wonderful and serious minded company. I would advice you contact them if you need a loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: www.dennishopkinsfinance.de.vu or dennishopkins_financehome@ live.com

Mary McCall said: Hello, I am Mary McCall, currently living in Texas city, USA. I am a widow at the moment with Four kids and i was stuck in a financial situation in May 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a private loan lender who gave me a loan of 850,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact DENNIS HOPKINS FINANCE HOME He doesn%u2019t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email . www.dennishopkinsfinance.de.vu or dennishopkins_financehome@ live.com

"Acquiring a loan now a day is getting more and more difficult..."

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Acquiring a loan now a day is getting more and more difficult. But there are some loan providers out there who are willing to take on individuals who are in need of a specific amount.
It takes time to find the right loan, but I`m sure those in need of a loan will find the right one that suits their situation.
For a listing of legit loan providers, see the list below.
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http://operation-financial-needs.webs.com/
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This does not only rely on your income but also the policy of the company you`re working with or working for also if the pharmacy is yours the as in the business you re operating is a sole proprietor ownership chances are that you may be able to save for your house or even mortgage,also if you are working in a company pharmacy it depends on the company policy if they generate enough profits to be able to allow their employees to have house loans,the other thing is that yes they can actually own houses this is actually in that if pharmacist is paid well he or she can save for purposes of buying a house.

"Even in one city the rate of property varies..."

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You are not being specific, first of all you have not even mentioned the currency, 95000 in which currency. The type of home bought by 95000 USD would definitely be different for 95000 francs, or 95000 pounds. Another thing you need to mention is the city, even in one city the rate of property varies, and then there are facilities in some places that make them expensive, so try to be a bit more specific about where do you want to buy home and which currency are you talking about.

"I got a loan the sum of $300.000 from a..."

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Good Day
My Name is Dorene Zeller i am from United State I saw your question regarding a loan. i got a loan the sum of $300.000 from a legitimate loan lender called DENNIS HOPKINS FINANCE HOME. you can contact them for financial Help. You are 100% Guarantee receiving your loan without any delay. dennishopkins_financehome@ live.com or dennishopkins69@ yahoo.com or website: www.dennishopkinsfinance.de.vu.

"It depends on the person what kind of house he wants..."

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It depends on the person what kind of house he wants to buy with his 110000 income .It also depends on the location also where the person wishes to reside. As different places possesses different rates of house. It also depends on the person`s way of living , his marital condition and his credits also to afford a home with 110000 income.

"A person can afford a 200000 home on 75000 a year ..."

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Yes, a person can afford a 200000 home on 75000 a year . The person can take loans and can put some investments to buy a 200000 home . It also depends on the person`s life style, his marital status, his family size, his credits, debts and most important region or place where the person buy home.

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